Search found 3900 matches

by rustymutt
Sat May 23, 2020 6:58 am
Forum: Personal Consumer Issues
Topic: NJ property taxes too high. What are my alternative states?
Replies: 58
Views: 4147

Re: NJ property taxes too high. What are my alternative states?

That's a question lots of us ask about our own states. Seems like property taxes are easy to raise on constituents. I've considered becoming a full time renter, just to avoid them. Executive suites with deluxe high end apartment, paid for in part by property tax savings. I pay $4,000. a year for my ...
by rustymutt
Tue May 19, 2020 8:53 pm
Forum: Personal Finance (Not Investing)
Topic: Need money from your retirement fund? Vanguard advises taking loans instead of withdrawals.
Replies: 7
Views: 903

Re: Need money from your retirement fund? Vanguard advises taking loans instead of withdrawals.

I'm retired now, abut when I was working, I borrowed from my own 401K, and paid off 2 homes over a 25 year career. Remember now that interest rates where once around 12%, and had been higher. I know I made the right decision. But I paid it back, with interest to myself. Wild as this sounds, the main...
by rustymutt
Tue May 19, 2020 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: Thinking of buying a boat during pandemic – am I CRAZY?
Replies: 80
Views: 5319

Re: Thinking of buying a boat during pandemic – am I CRAZY?

arcticpineapplecorp. wrote:
Tue May 19, 2020 8:39 pm
my girlfriend just saw this post about a guy who was alone on his boat for the past 3 months and didn't realize a pandemic was going on. Now THAT's CRAZY!!

https://www.google.com/search?client=fi ... ths+at+sea
That's wild.
by rustymutt
Tue May 19, 2020 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: Thinking of buying a boat during pandemic – am I CRAZY?
Replies: 80
Views: 5319

Re: Thinking of buying a boat during pandemic – am I CRAZY?

I don't think so. But in fairness to you, I'm looking at fishing boats myself. And I'll purchase when I fine the right used boat. Hard to do here with a brisk junk boat business on Craigslist. I saw a 2019 Lund 1875 with everything I want, but $39000. Plus tax, and insurance. Maintenance, and upkeep...
by rustymutt
Fri May 15, 2020 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: Which carrier for Personal Liability Insurance do you recommend
Replies: 17
Views: 774

Re: Which carrier for Personal Liability Insurance do you recommend

Your going to get it from your causality carrier. ie State farm, Farmers, Allstate, whoever yo choose to do business with, cause that's the cheapest way.
by rustymutt
Fri May 15, 2020 3:31 pm
Forum: Personal Consumer Issues
Topic: Secrets to a great lawn
Replies: 65
Views: 5175

Re: Secrets to a great lawn

start with a soil PH test at your local extension office. If the PH is wrong for your growing conditions, nothing really matters after this. I've added gypsum, to raise I believe, and lime lowers PH. Other considerations the ag office can help with The soil test will also include things like calciu...
by rustymutt
Fri May 15, 2020 3:29 pm
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 452
Views: 15563

Re: Bird watchers – what birds are you seeing?

Cardinals singing, robins eating, lots of nesting actives in all spices. And the Crackles, keep the June bugs cleaned up. Even the crows have been noisy of late.
by rustymutt
Thu May 14, 2020 5:55 pm
Forum: Personal Consumer Issues
Topic: Secrets to a great lawn
Replies: 65
Views: 5175

Re: Secrets to a great lawn

start with a soil PH test at your local extension office. If the PH is wrong for your growing conditions, nothing really matters after this. I've added gypsum, to raise I believe, and lime lowers PH. Other considerations the ag office can help with
by rustymutt
Thu May 07, 2020 4:00 pm
Forum: Personal Consumer Issues
Topic: Craigslist - are these scams?
Replies: 49
Views: 3126

Re: Craigslist - are these scams?

No phone number is a sure sign. I never put a phone number in my ads. Don't want the 1am phone call from some meth head asking stupid questions that are already answered in the ad if only he could see it using a computer instead of a phone, or the idiots that assume the number I do give them is a c...
by rustymutt
Thu May 07, 2020 3:57 pm
Forum: Personal Consumer Issues
Topic: Craigslist - are these scams?
Replies: 49
Views: 3126

Re: Craigslist - are these scams?

Pu239 wrote:
Wed May 06, 2020 5:55 pm
rustymutt wrote:
Wed May 06, 2020 4:28 pm
Or photos with palm trees and where in Kansas.
The I-70 Petro station in Colby, Kansas, has palm trees. Metal, of course, but difficult to tell from a distance.
I've been to Colby and seen those fake trees. I'm seeing real palms in Oklahoma ads. They pump the used salt water boats.
by rustymutt
Wed May 06, 2020 4:28 pm
Forum: Personal Consumer Issues
Topic: Craigslist - are these scams?
Replies: 49
Views: 3126

Re: Craigslist - are these scams?

Honestly was just thinking about Craigslist and the scams as I read your title. Yes, 9 out of 10 boat ads locally where I'm located are scams. No phone number is a sure sign. They want your email address. I just had one insist on my email address for more photos. She emailed me this back through cra...
by rustymutt
Wed May 06, 2020 3:03 pm
Forum: Personal Investments
Topic: Close to retirement and don't know what to do
Replies: 33
Views: 4041

Re: Close to retirement and don't know what to do

Let me just say, you're in good company, and lots of it right now. I went all cash 2008, as I retired in June 2009. By luck, I avoid the horrid drop of markets. Got back in at the bottom and rode it up. Bailed out in early March, never looked back. By the way, it doubled at Vanguard in 11 years, des...
by rustymutt
Wed May 06, 2020 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Keep debit card locked at all times?
Replies: 36
Views: 2728

Re: Keep debit card locked at all times?

It's happened that way to me. I do prefer cash over credit on small items, and food at restaurants. My credit union was on the ball and stopped it, then contacted me right a way. I had my new card in 5 days. During the virus assault, cards are the way to go. No cash to move the virus around. Best wi...
by rustymutt
Tue May 05, 2020 10:10 am
Forum: Investing - Theory, News & General
Topic: All my friends are outperforming index funds
Replies: 122
Views: 11141

Re: All my friends are outperforming index funds

Many people do well in markets like this, where it's up 1 day and down 2. Focus instead on the long term. I doubt you'll see any proof from them on long term results. Remember we people like to tell others about how successful we are. Were all better in our heads, unless low self esteem is an issue....
by rustymutt
Tue May 05, 2020 10:02 am
Forum: Personal Finance (Not Investing)
Topic: Moving from High taxed state to no income tax state
Replies: 44
Views: 3103

Re: Moving from High taxed state to no income tax state

Check property taxes, as they can be quite high in in income tax states. Also check to make sure the local city doesn't charge you for savings. I forget the title on those local taxes. Also check into quality of the water, as many cities are starting to have issues with water distributions systems a...
by rustymutt
Sat May 02, 2020 7:36 am
Forum: Personal Consumer Issues
Topic: Front load washing machine recommendations
Replies: 98
Views: 4656

Re: Front load washing machine recommendations

I've got LG front load washer and dryer and love both of them. I didn't buy the stand that raises them so getting in and out makes them a workout. They do a great job on over sized loads. Steam clean is wonderful feature, and my bed spreads get steamed now. Don't know a thing about other brands, but...
by rustymutt
Fri May 01, 2020 4:37 pm
Forum: Investing - Theory, News & General
Topic: A 40% drop could hit by next year , FACT or FICTION?
Replies: 33
Views: 2816

Re: A 40% drop could hit by next year , FACT or FICTION?

Let me just say this. Everyone should have some cash, and I'd be putting more than normal on sidelines right now. I want to make sure if the market does go down, I'm not horrified at pulling out resources. From where I sit, could seem more likely to go down over the next year, thanks to the virus wr...
by rustymutt
Mon Apr 27, 2020 11:51 am
Forum: Personal Consumer Issues
Topic: What have you baked recently?
Replies: 262
Views: 30808

Re: What have you baked recently?

Whole wheat bread, with yeast and beer and slow cold rise, before the final bake is on. Happens to be the last thing with yeast I baked, the stores here had ran on yeast, and bare shelf's in bread counters. I still have a 6 pack of Fat Tire beer in the fridge.
by rustymutt
Mon Apr 27, 2020 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Carrying a big long mortgage
Replies: 92
Views: 6026

Re: Carrying a big long mortgage

Put Dave Ramsey and Ric Edelman in a room and let them argue it out. The one thing I'd say is that while I don't see what Dave would gain by one paying off his mortgage, Edelman's firm charges a hefty AUM on money it manages. If you pay off your mortgage, there's money they can't get their percenta...
by rustymutt
Mon Apr 27, 2020 11:37 am
Forum: Personal Finance (Not Investing)
Topic: Carrying a big long mortgage
Replies: 92
Views: 6026

Re: Carrying a big long mortgage

I currently agree with this and I have a 3.375%, 30 year mortgage. Having a paid off home feels good, but you’re tying up money that can not grow or be used for any other purpose. I see my home as an expense, not an investment. As the article states you will never be free of property taxes, home ow...
by rustymutt
Mon Apr 27, 2020 11:34 am
Forum: Investing - Theory, News & General
Topic: Help me understand Quantitative Easing
Replies: 22
Views: 2104

Re: Help me understand Quantitative Easing

It's quick scary how much trust is given to those who gain control of our reserve bank system. Seems to me it's awash in lack of values that make any sense outside lawyers, bureaucrats and odd algorithms. But the explanations here are quite interesting to read. Quantitative Easing is a tool in the f...
by rustymutt
Mon Apr 27, 2020 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Do you expect your employer to change their stance on WFH after Coronavirus?
Replies: 99
Views: 6052

Re: Do you expect your employer to change their stance on WFH after Coronavirus?

If I was lazy, it'd be great. I'd never leave home. And I'd get so fat from lack of activity, I'd go nuts. No, I like going in to the office and sharing quality time with my co-workers. I learned far more than imagined from just listening to others and the mistakes we made got shared. Eye to eye fac...
by rustymutt
Fri Apr 24, 2020 12:32 pm
Forum: Personal Consumer Issues
Topic: Make Clorox Spray Instead of Lysol Spray
Replies: 77
Views: 5624

Re: Make Clorox Spray Instead of Lysol Spray

I'm running out of Lysol. But have a lot of Clorox and a spray bottle. What strength is the right mixture to disinfect like one would use Lysol? Keep the lotion near by. I use bleach all the time, and took a bleached wash towel with me to the store. First thing back in vehicle, and hands, keys, so ...
by rustymutt
Fri Apr 24, 2020 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: physician/APC pay cuts
Replies: 133
Views: 9955

Re: physician/APC pay cuts

It is funny to me that in this whole discussion regarding healthcare pay dynamics, there is not one mention of insurance providers. In normal times, they are the driving force of fee schedule/reimbursement, yet at times when the system is clearly strained (one could argue from years of their reduct...
by rustymutt
Wed Apr 22, 2020 1:49 pm
Forum: Investing - Theory, News & General
Topic: Is this right? "if you live off dividends, a crash in stocks prices doesn't matter"
Replies: 536
Views: 35579

Re: Is this right? "if you live off dividends, a crash in stocks prices doesn't matter"

You either invest back into your company and have growth, or you pay out that profit to share holders, and have series of payments to hand out. Some companies do a little of both. I like growth myself. To me dividends are like bonds without any grantee. I'll take whatever I can get for record. I'd r...
by rustymutt
Wed Apr 22, 2020 1:45 pm
Forum: Personal Investments
Topic: Follow along if you want (market timing maybe)
Replies: 26
Views: 2896

Re: Follow along if you want (market timing maybe)

I believe it just is where in the USA your living that sparks regional demands, and takeaways on home prices. The Midwest has had advantages in builder cost, but with labor cost soaring, newer homes are looking like inflation has moved considerable. We see many workers in that trade from outside the...
by rustymutt
Wed Apr 22, 2020 1:41 pm
Forum: Personal Consumer Issues
Topic: Anybody here pay less than $40 a month for home internet and with what company?
Replies: 62
Views: 4236

Re: Anybody here pay less than $40 a month for home internet and with what company?

I hotpot off TMoible Apple 7. 60 a month for phone and internet. 30 30 split in cost. I look at whole monthly payment and try to get things that fit. Higher cost doesn't mean better service for all. I've been with cable for 4 years, but they just whittling away at my upload speed I disconnect servic...
by rustymutt
Wed Apr 22, 2020 9:06 am
Forum: Personal Investments
Topic: Follow along if you want (market timing maybe)
Replies: 26
Views: 2896

Re: Follow along if you want (market timing maybe)

barberakb wrote:
Wed Apr 22, 2020 2:03 am
Still haven't made any moves. Been looking at alot of houses online, only found 1 that I liked so far and its pending.

Have you also seen an increase in price drops on homes? I have in the state of Colorado, which is an energy producing state.
by rustymutt
Wed Apr 22, 2020 8:54 am
Forum: Personal Investments
Topic: Vanguard Digital advisor
Replies: 5
Views: 920

Re: Vanguard Digital advisor

I just want to say that in the past, I disagreed with some of the suggestions Vanguard had made to me in their data sets. But I'm one who enjoys learning, and listening to what anyone, including my brokerage companies information. Glad to be able to think for myself folks. That to me is the biggest ...
by rustymutt
Wed Apr 22, 2020 8:43 am
Forum: Personal Consumer Issues
Topic: Replacement for 4Runner
Replies: 70
Views: 4143

Re: Replacement for 4Runner

I traded a 2015 4Runner in for a GMC 1/2 crew. I love my GMC truck now. At 6'4 250 the extra room in the GMC is a blessing for me. I need open space.
by rustymutt
Tue Apr 21, 2020 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: HOA wants house painted. Renters want to do it. Thoughts?
Replies: 26
Views: 2231

Re: HOA wants house painted. Renters want to do it. Thoughts?

Check your state law. For example, my state requires a licensed, bonded and insured contractor to do work around the house if it costs at least $1,000. And I totally agree with our resident RE expert Sandtrap’s #1 point. Folks are always tossing around the term "bonded contractor". Can anyone tell ...
by rustymutt
Mon Apr 20, 2020 6:09 pm
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 599
Views: 31370

Re: What are you listening to now

Nicolas wrote:
Sun Apr 19, 2020 6:15 pm
TheNightsToCome wrote:
Sun Apr 19, 2020 5:18 pm
Nicolas wrote:
Wed Jan 22, 2020 11:33 am
The Sky Is Crying — Elmore James
https://youtu.be/S788gj9vdp0
Wow. That is nice.
Yeah Elmore James was great. Listen to this one, It Hurts Me Too https://youtu.be/fzr1Rfn-P4Y
Sweet. Now am hankering for southern BBQ. With heavy dose of blue sauce.
by rustymutt
Mon Apr 20, 2020 6:03 pm
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 599
Views: 31370

Re: What are you listening to now

I've been listening to the best of Allan Jackson today, while working in yard, then chipping golf balls around, as if my yard is a mini par 3 layout. The mind sure helps when executed each day. Yeah, I'm top pro in my yard. Buck stop here.
by rustymutt
Mon Apr 20, 2020 5:59 pm
Forum: Investing - Theory, News & General
Topic: Deflation is everywhere. Get used to it.
Replies: 151
Views: 14876

Re: Deflation is everywhere. Get used to it.

Is there a deflation fund, or etf, that tracks deflation as it concerns investors. None of that 2x, 3x stuff for me.
by rustymutt
Sun Apr 19, 2020 6:26 pm
Forum: Personal Investments
Topic: I'm out [of the market]
Replies: 109
Views: 11830

Re: I'm out [of the market]

lostdog wrote:
Sun Apr 19, 2020 6:23 pm
Congratulations! You have won.

If the pensions and SS cover you, go have fun with that money ASAP before you're six feet under.

:sharebeer
+1
by rustymutt
Sun Apr 19, 2020 6:26 pm
Forum: Personal Investments
Topic: I'm out [of the market]
Replies: 109
Views: 11830

Re: I'm out [of the market]

Good for you. We're out also. Don't let the investment porn drag you down. This market is going lower. But maybe slower than normal. The economy is hosed.
by rustymutt
Sun Apr 19, 2020 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: When do you walk away from whole life insurance?
Replies: 31
Views: 3557

Re: When do you walk away from whole life insurance?

treehugger_ wrote:
Sun Apr 19, 2020 4:11 pm
I know the suspense has been killing you: I canceled the policy yesterday. Thanks again for the guidance, everyone.
Good man! Be disciplined about investing, and get cheap term life.
by rustymutt
Sun Apr 19, 2020 6:18 pm
Forum: Personal Finance (Not Investing)
Topic: When do you walk away from whole life insurance?
Replies: 31
Views: 3557

Re: When do you walk away from whole life insurance?

Yet I haven't found anyone to explain any good things at all about it. There must be something good. Thanks. If you have whole life...that you need...and you have health issues, it could work. I've heard that there is a business advantage of some kind for partners. If you are a beneficiary, it is g...
by rustymutt
Sun Apr 19, 2020 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: When do you walk away from whole life insurance?
Replies: 31
Views: 3557

Re: When do you walk away from whole life insurance?

I've read with interest all the answers here. Seems there is a "herd mentality" when it comes to whole life insurance. Yet I haven't found anyone to explain any good things at all about it. There must be something good. Maybe someone could explain in detail how a whole life policy is structured? Or...
by rustymutt
Sun Apr 19, 2020 11:01 am
Forum: Personal Consumer Issues
Topic: Recommend a low cost CADD program
Replies: 11
Views: 480

Re: Recommend a low cost CADD program

Have you checked to see if any open source software is available. I"m amazed at the library open to all. Educate yourself.
by rustymutt
Sat Apr 18, 2020 8:59 am
Forum: Investing - Theory, News & General
Topic: U.S. Treasury Inflation Protected Securities (TIPS) ETF
Replies: 22
Views: 1965

Re: U.S. Treasury Inflation Protected Securities (TIPS) ETF

These investment instrument are merely an algorithm of US intent. They are manipulated by the math. Housing cost isn't even considered when houses are priced beyond most. That's right TIPs don't use that data. Seems the people engineering these leave out some mighty important sectors to make it in t...
by rustymutt
Fri Apr 17, 2020 3:44 pm
Forum: Personal Consumer Issues
Topic: So what are you cooking
Replies: 267
Views: 15460

Re: So what are you cooking

I just purchased a 5 pound rib roast. I'll slow cook with potatoes, carrots, and onion. Then make gravy with the drippings. Sour dough and green beans round out dinner. Blueberry cobbler for desert. Sugar free. Now I'm hungry.
by rustymutt
Wed Apr 15, 2020 8:01 pm
Forum: Personal Investments
Topic: Which ETF/ Index funds hold all the oil stocks ?
Replies: 18
Views: 889

Re: Which ETF/ Index funds hold all the oil stocks ?

VDE

Rank/holdings
first to last
Exxon Mobil Corp.
Chevron Corp.
ConocoPhillips
Schlumberger Ltd.
EOG Resources Inc.
Kinder Morgan Inc.
Phillips 66
Marathon Petroleum Corp.
Valero Energy Corp.
ONEOK Inc.

Looks like a good buy, may get better. .01% expense ratio
by rustymutt
Wed Apr 15, 2020 11:42 am
Forum: Personal Consumer Issues
Topic: Yard Leaves: Mulch or Blow?
Replies: 21
Views: 1038

Re: Yard Leaves: Mulch or Blow?

I pick them up, as they are wonderful incubators of weed seeds. I catch my grass early and late in the season for the same reason. When Bermuda-grass is going full blast, I mulch. Every yard is different, depending on where, type, soil conditions. Rain expectations. I like to keep my yard clean and ...
by rustymutt
Wed Apr 15, 2020 11:35 am
Forum: Investing - Theory, News & General
Topic: Why is the market reacting poorly to plunging retail sales and manufacturing today?
Replies: 32
Views: 2395

Re: Why is the market reacting poorly to plunging retail sales and manufacturing today?

I believe business models have just in time inventories and supply chains. Without the backup of large inventories, which can be taxed in certain states, it was allowed off shore for cost cutting measures. Make matters worst is who wants to get out in this and earn money. You remember the song, "Sta...
by rustymutt
Tue Apr 14, 2020 1:37 pm
Forum: Personal Consumer Issues
Topic: New to Linux Ubuntu
Replies: 29
Views: 1483

Re: New to Linux Ubuntu

Not much of a techie, but pretty proud of myself for getting through a recent install of Ubuntu. Now sort of stumbling around online looking for good resources to troubleshoot miscellaneous things. For instance, I have a 2014 Canon PIXMA MX472 (printer, copier, fax, scanner), and I can print OK, bu...
by rustymutt
Fri Apr 10, 2020 2:48 pm
Forum: Personal Consumer Issues
Topic: Seller hesitant to part with something
Replies: 38
Views: 3388

Re: Seller hesitant to part with something

Sounds like selling 101. Making you raise your price with the I may not want to sell it after all line. Decide what price you want to pay and say final offer and you are walking away if no. If he says no then do actually walk away. Playing games is how you lose imo. Look elsewhere. Don't fall prey ...
by rustymutt
Fri Apr 10, 2020 2:17 pm
Forum: Investing - Theory, News & General
Topic: What's the Bond Market's Expectation for Future Inflation?
Replies: 54
Views: 2972

Re: What's the Bond Market's Expectation for Future Inflation?

I hope deflation stays away. From what I understand it can cripple an economy for a very long time. Then the hopes for inflation can surge and reversion to the mean can occur. But the blood bath is over now, it's 2050 and looking back it didn't happen as we expected, because leaders change and polic...
by rustymutt
Fri Apr 10, 2020 2:05 pm
Forum: Investing - Theory, News & General
Topic: Why do investors say stock picking is risky?
Replies: 79
Views: 4271

Re: Why do investors say stock picking is risky?

Because more companies can play the Enron game nowadays. You can't have the diversification that's needed to insure your portfolio doesn't do it self in. Any company can fold. More likely to be bought out, but at a value price.
by rustymutt
Thu Apr 09, 2020 4:55 pm
Forum: Personal Consumer Issues
Topic: Outside of stocks, what else is a screaming good deal now?
Replies: 64
Views: 7087

Re: Outside of stocks, what else is a screaming good deal now?

manatee2005 wrote:
Wed Apr 08, 2020 8:04 pm
hicabob wrote:
Wed Apr 08, 2020 7:58 pm
Hotel rooms in Las Vegas. $15/night . Next month though. I think most are closed now.
But they get you with the resort fee
Don't forget the parking fees, unless you enjoy walking.